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Steps to Take When Insuring Valuable Gifts

Here's what you can do to ensure that your holiday gifts are covered. With the holiday season officially upon us, it's time to start thinking about what you will do if you receive a particularly expensive or valuable gift. While your homeowners or renters insurance does offer coverage for your personal belongings, this coverage is subject to certain limitations. If the value of your holiday gifts exceeds your policy's coverage limits, you will need to secure additional coverage to protect these Read More

Does Your Home Liability Insurance Offer Enough Coverage?

What you need to know about the liability protection offered in your homeowners insurance policy. As a homeowner, one of the most significant risks you face is the chance of a liability event taking place inside your home or on your property. While every standard homeowners insurance policy offers coverage for personal liability claims, this coverage is subject to certain limits. This, of course, begs the question: "Do I have enough personal liability coverage?" Here are some things to consider Read More

Secure Umbrella Insurance If You Have These Things on Your Property

When do you need additional liability protections? As a homeowner, you know you’re open to a myriad of risks. One of the most pressing threats you face is the risk of a liability issue taking place on your property. Luckily, you can protect yourself against this risk by securing excess liability coverage with a personal umbrella policy. If you have these items on your property, umbrella insurance is essential for you. Pets While you might assume that your furry friend is covered under Read More

Determining Your Need for Life Insurance

How much life insurance coverage do I need? While there is no decisive answer regarding how much life insurance you need, there are some general rules you should keep in mind when choosing your death benefit. Here are some things to consider regarding your life insurance coverage. Calculate Your Financial Obligations and Assets Your ideal life insurance coverage amount will be the difference between your long-term financial obligations and your assets. However, it can be difficult to get Read More

What You Need to Know About Insurance Brokers

As a business owner, do you need an insurance broker? When it comes time to insure your business, you may find that you need assistance with determining your coverage needs. This is when relying on an insurance broker might be useful. But what exactly is an insurance broker and do you really need one? Here's what you need to know about insurance brokers. What is an insurance broker? Unlike an insurance agent who represents a single insurance company, an insurance broker works for the Read More

Is Roadside Assistance Coverage Worth It?

Should you invest in roadside assistance? For many drivers, the idea of breaking down and getting stranded by the side of the road is their worst nightmare. When you consider the cost of towing your car to a mechanic and paying for the necessary repairs, the nightmare gets even worse. However, you can actually avoid this undesirable situation by securing roadside assistance coverage for your car. Here's what you need to know about this type of coverage. What is roadside Read More

How Canceling Your Policy Could Affect Your Future Car Insurance Rates

This is how canceling your auto policy now can affect your rates in the future. Whether you are selling your car or moving to a new state, there are a variety of reasons why you might want to cancel your auto policy before your term ends. Many car owners are concerned about what policy cancellation means for their future rates. Here's what canceling an auto policy now will mean for you in the future. Understand the Difference Between Canceling Your Policy and Having Your Policy Read More